| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LHD BENEFIT ADVISORS3 | 401 PENNSYLVANIA PKWY SUITE 200 INDIANAPOLIS, IN 46280 | ANTHEM INSURANCE COMPANIES, INC. | — | $6K | $6K | 0.26% |
| ICUL SERVICES CORPORATION3 | 8415 ALLISON POINTE BLVD SUITE 515 INDIANAPOLIS, IN 46250 | DELTA DENTAL OF INDIANA | $91K | — | $91K | 6.09% |
| ICUL SERVICES CORPORATION3 | 8415 ALLISON POINTE BLVD SUITE 515 INDIANAPOLIS, IN 46250 | VISION SERVICE PLAN | $50K | — | $50K | 9.98% |
| ICUL SERVICES CORPORATION3 Filed as: ICUL SERVICES CORP | 8415 ALLISON POINTE BLVD SUITE 515 INDIANAPOLIS, IN 46250 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | $97K | $0 | $97K | 20.00% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN, INC | 101 S. GARLAND AVE, STE 203 ORLANDO, FL 328013277 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | $0 | $24K | $24K | 4.86% |
| LHD BENEFIT ADVISORS3 | 401 PENNSYLVANIA PKWY SUITE 200 INDIANAPOLIS, IN 46280 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | $0 | $19K | $19K | 4.00% |
| LHD BENEFIT ADVISORS3 | 401 PENNSYLVANIA PKWY SUITE 200 INDIANAPOLIS, IN 46280 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | $8K | $0 | $8K | 1.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 TPA | Float revenue; Other fees; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Direct payment from the plan Service code 12 | — | $3.0M |
| ICUL SERVICES CORPORATION EIN 35-6065923 PLAN MANAGER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating; Consulting (general); Direct payment from the plan; Participant communication; Accounting (including auditing) Service code 10 | — | $853K |
| CVS HEALTH EIN 05-0340626 PHARMACY BENEFIT MANAGER | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing Service code 12 | — | $429K |
| LHD BENEFIT ADVISORS EIN 35-2150902 ADVISOR | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Recordkeeping fees; Account maintenance fees Service code 15 | — | $400K |
| EMPLOYERS HEALTH EIN 34-1893487 ADVOCACY | Direct payment from the plan; Consulting (general) Service code 16 | — | $111K |
| CURALINC, LLC EIN 33-1206383 EAP PROVIDER | Direct payment from the plan; Other services Service code 49 | — | $63K |
| INDIANA CREDIT UNION LEAGUE EIN 35-0408785 ADVOCACY | Consulting (general); Direct payment from the plan Service code 16 | — | $60K |
| BOSE, MCKINNEY, & EVANS, LLP EIN 35-0957980 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $47K |
| RSC INSURANCE BROKERAGE EIN 16-1689464 CONSULTANT | Direct payment from the plan; Consulting (general) Service code 16 | — | $27K |
| KENTUCKY CREDIT UNION LEAGUE EIN 61-0391408 ADVOCACY | Consulting (general); Direct payment from the plan Service code 16 | — | $25K |
| MARKSNELSON ADVISORY LLC EIN 92-1368147 EXAMINER | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $23K |
| BRADY, WARE AND SCHOENFELD EIN 35-1476702 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $23K |
| STIFEL, NICOLAUS & COMPANY, INC. EIN 43-0538770 INVESTMENT MANAGER | Custodial (securities); Investment management fees paid directly by plan; Investment management Service code 19 | — | $17K |
| THE HOWARD E NYHART COMPANY, INC EIN 35-0966414 ACTUARY | Actuarial; Direct payment from the plan Service code 11 | — | $6K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 3,348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 4,471 | $1.5M |
| Vision | VISION SERVICE PLAN | 3,079 | $500K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 3,348 | $2.4M |
| Other | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | 1,057 | $484K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,471 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.